Scapia Credit Card: zero forex sach hai, 10% reward nahi
Scapia ka fee aur forex wala dava poora sach nikla — Federal Bank ke apne Key Fact Sheet me joining Nil, annual Nil aur foreign currency mark-up 0% hai. Ye is list me bahut kam cards kar paate hain. Par ek number aisa hai jise log hamesha galat samajhte hain: “10% reward” ka asli value 10% nahi, lagbhag 2% hai — aur ye baat Federal Bank ne khud apne page pe chhoti si footnote me likhi hai. Neeche poora hisaab.
- Joining fee Nil
- Annual membership fee Nil
- Foreign currency mark-up 0% (Nil)
- VISA pe reward 10% (online + offline)
- RuPay pe reward 5% (₹500+ wale spends pe)
- 1 reward 1 Scapia Coin
- 5 Scapia Coins ₹1
- Lounge Unlimited domestic — pichhle mahine
₹20,000 kharch pe
Kis ke liye theek hai
- Jo saal me ek-do baar videsh jaata hai — 0% forex yahan sach hai
- Jo apni chhutti ki flight, hotel ya bus Scapia app se hi book karta hai
- Jo har mahine ₹20,000 kharch kar leta hai — tabhi unlimited lounge chalu rehta hai
- Jo bilkul zero fee wala travel card chahta hai
Kis ke liye nahi
- Jo coins ko cash me chahta hai — redemption sirf app se travel booking pe hai
- Jo “10% cashback” samajh kar le raha hai — asli value lagbhag 2% hai
- Jo kabhi travel nahi karta — coins kharch hi nahi honge
- Jo mahine ka ₹20,000 nahi kharchta — lounge benefit us mahine band rehta hai
Fee aur forex: dono dave sach nikle
Federal Bank ke apne Key Fact Sheet (Version 8, 27.01.2026) me Scapia Federal Credit Card ke liye likha hai:
| Row | Federal Bank ka apna number |
|---|---|
| Joining Fees | Nil |
| Annual Membership Fees | Nil |
| Foreign Currency Mark-up | 0% (Nil) |
Federal Bank ka apna Scapia page bhi yahi dohrata hai: “Zero forex markup on all international transactions” aur “Zero joining and annual fees”. Zyadatar cards pe forex markup 3.5% hota hai, isliye ye koi chhota faayda nahi hai — ₹1 lakh ke videshi kharch pe hi lagbhag ₹3,500 ka farak padta hai.
Asli catch: 5 Scapia Coins = ₹1
Federal Bank ke apne page pe reward rate aise likhe hain:
- 10% reward — har eligible online aur offline spend pe, VISA card pe
- 5% reward — eligible UPI, online aur offline spend pe, RuPay card pe, par sirf ₹500 ya zyada wale transaction pe
- “Instant redemption on flights, hotels and buses on the Scapia app, at 1 reward = 1 Scapia Coin”
Aur phir, page ke sabse neeche, ek chhoti si line: “** 5 Scapia coins = ₹1”. Yahi poori kahani badal deti hai.
| Card | ₹100 kharch pe | Coins | Rupaye me | Asli return |
|---|---|---|---|---|
| VISA (10% reward) | ₹100 | 10 coins | ₹2 | 2.0% |
| RuPay (5% reward, ₹500+ txn) | ₹100 | 5 coins | ₹1 | 1.0% |
Ye hamara apna hisaab hai, Federal Bank ke apne “5 Scapia coins = ₹1” wale note se nikaala gaya.
Seedhi baat: “10% reward” ka matlab 10% paisa wapas nahi hai. 10 coins milte hain, aur 10 coins ki keemat ₹2 hai. Yaani asli return lagbhag 2% — jo bura nahi hai, balki ek zero-fee card ke liye theek-thaak hai. Par wo 10% nahi hai, aur yahi baat zyadatar logon ko baad me pata chalti hai.
Doosra catch: coins sirf travel pe kharch hote hain
Federal Bank ne likha hai ki redemption Scapia app pe flights, hotels aur buses par hoti hai. Yaani ye cashback nahi hai — na bill me adjust hota hai, na bank account me aata hai. Agar aap saal bhar travel nahi karte, to coins jama hote rahenge aur kaam kuch nahi aayenge.
Isi wajah se ye card un logon ke liye hai jo pehle se ghoomte hain — tab ye rozmarra ke kharch ko agli chhutti me badal deta hai. Jo nahi ghoomte, unke liye 2% bhi 0% ho jaata hai.
Lounge: unlimited hai, par shart ke saath
Federal Bank ke apne shabd:
“Unlock unlimited domestic lounge, complimentary dining, shopping or spa by spending ₹20,000 every preceding month.”
Yaani lounge har mahine kamana padta hai. Jis mahine ₹20,000 nahi kharcha, agle mahine lounge band. “Unlimited” sirf tab hai jab aap ye target har baar poora karte hain.
Card milta kaise hai
Poori process Scapia app se digital hai. Federal Bank ke apne page ke mutabik virtual card turant activate ho jaata hai aur physical card 2–5 din me aa jaata hai. Bill bharna bhi app se hi hota hai — UPI ya Net Banking se, ya seedha IMPS/NEFT se. Bank ne saaf likha hai: cash, DD ya cheque se payment nahi hoti, aur third-party apps se repayment karne pe bill clear hone me der ho sakti hai.
Jo log galat samajhte hain
- “10% cashback milta hai” — 10 coins milte hain, jinki keemat ₹2 hai.
- “Coins cash ho jaate hain” — nahi, sirf app se flight/hotel/bus booking pe.
- “Lounge hamesha unlimited hai” — pichhle mahine ₹20,000 kharch ki shart hai.
- “RuPay pe bhi har kharch pe milega” — RuPay wala 5% sirf ₹500+ wale spends pe hai.
- “Scapia hi bank hai” — card Federal Bank issue karta hai; Scapia (Scapia Technology Pvt. Ltd.) co-brand partner hai.
Isse milte-julte cards
Sirf ek card dekhkar faisla karna theek nahi. Hamari list me ye iske sabse kareeb hain — har ek ki apni page pe fees aur sharten alag hain, apply karne se pehle wo bhi dekh lena:
Card theek lagta hai? Apply Scapia ki apni page pe hoga — card Federal Bank issue karta hai.
Scapia card apply kareinAksar poochhe jaane wale sawaal
Kya Scapia card sach me free hai?
Haan. Federal Bank ke apne Key Fact Sheet (Version 8, 27.01.2026) me joining fees Nil aur annual membership fees Nil hai. Foreign currency mark-up bhi 0% (Nil) hai.
10% reward ka asli value kitna hai?
Federal Bank ke apne page pe likha hai ki 1 reward = 1 Scapia Coin, aur 5 Scapia coins = ₹1. Yaani ₹100 kharch pe 10 coins milte hain jinki keemat ₹2 hai — asli return lagbhag 2%.
Scapia Coins cash me mil sakte hain?
Nahi. Federal Bank ke apne page ke mutabik redemption Scapia app pe flights, hotels aur buses ki booking par hoti hai. Ye bill me adjust hone wala cashback nahi hai.
Lounge access kaise milta hai?
Federal Bank ke apne shabd: unlimited domestic lounge, complimentary dining, shopping ya spa — pichhle mahine ₹20,000 kharch karne par. Yaani ye har mahine dobara kamana padta hai.
RuPay variant pe kitna milta hai?
5% reward, par sirf un eligible UPI, online aur offline spends pe jo ₹500 ya usse zyada ke hain. 5 coins = ₹1 ke hisaab se iska asli value lagbhag 1% hai.
Card kaun issue karta hai — Scapia ya Federal Bank?
Card Federal Bank issue karta hai. Scapia Technology Pvt. Ltd. co-brand partner hai jiska app onboarding, redemption aur bill payment ke liye istemaal hota hai.
Kahan se liya
- Reward rate, 5 coins = ₹1, lounge ki shart, zero forex aur onboarding — Federal Bank: Federal Scapia Co-branded Credit Card
- Joining fees, annual membership fees aur foreign currency mark-up — Federal Bank: Scapia Federal Credit Card Key Fact Sheet (PDF, v8, 27.01.2026)
Zaroori baat — ye padh lijiye
Ye page jaankari ke liye hai, financial advice nahi. Credit card ek loan product hai. Time pe pura bill na bharne par bahut mehnga padta hai aur CIBIL score bhi kharab hota hai. Koi bhi card lene se pehle uske Most Important Terms & Conditions khud padhiye.
Humne ye card khud istemaal nahi kiya hai. Upar jitne bhi figures hain — joining fee, annual fee, waiver ki shart, reward rate aur caps — wo Federal Bank ke apne dastavez se liye gaye hain aur upar link kiye gaye hain. Jahan hisaab lagaya hai wo hamara apna calculation hai, bank ka nahi. Bank kabhi bhi sharten badal sakta hai, isliye apply karne se pehle Federal Bank ki page pe aakhri baar khud check kar lijiye. Koi figure galat lage to bata dijiye, theek kar denge.
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